CIBC

CIBC card bundled with the newcomer account

CIBC's newcomer page points you at a Dividend Platinum Visa and a bundle bonus on top of the Smart Account. We are not stating an interest rate because that page does not print one.

Last checked: October 19, 2026
Source: CIBC, newcomer banking package
Audience: Permanent residents, Temporary workers

Go to the provider Source we checked

Some links may earn us a commission. How we make money.

What we could verify

The newcomer page says adding a CIBC Dividend Platinum Visa could be worth up to $1,250. That is CIBC's description of the offer, and it links out for the rules.
A separate CIBC journeys page says bundling the Smart Account for Newcomers with an eligible credit card can earn up to $600, with qualifying actions.
The account offer itself is only for clients 25 and older. Under 25, CIBC sends you to Smart Start.
No purchase interest rate was printed on the newcomer page we checked. Do not assume one.

CIBC publishes the chequing offer in much more detail than the card. What we can say from the pages we opened is that a card is part of the bundle, that Dividend Platinum is the card they name, and that the dollar figures are offer values rather than a credit limit. We did not find a 'no Canadian credit history, limit up to X' sentence on the page we used, so we are not inventing one.

If you want the bundle bonus, open the account and the card close together and read which actions have to happen within 60 days. The January 2026 Smart Account and credit card terms say the extra $100 card reward requires that you were not a primary CIBC cardholder in the previous five years. Those terms are a PDF linked from CIBC. Re-check them. They are dated and will be replaced.

Who it is for

The newcomer banking offer we reviewed is for people 25 and older who meet CIBC's new-client rules. Credit approval is separate. Ask CIBC what status documents they need for the card.

How to act on it

Start from the newcomer account page and follow the credit-card link. Apply only after you have read the current bonus terms.

Also in credit cards

BMO

BMO credit card for newcomers

BMO says a newcomer can apply for an unsecured card up to $5,000 with no Canadian credit history, and for a secured card if that application is declined.

Last checked October 19, 2026

Capital One Canada

Capital One Secured Mastercard

A secured Mastercard for building or repairing credit in Canada. You put up security funds. Capital One says approval is guaranteed if you meet four published conditions.

Last checked October 19, 2026

Home Trust

Home Trust Secured Visa

A secured Visa that Home Trust explicitly offers to newcomers, students, and others without a conventional Canadian credit file. Your deposit sets the limit. The card is not sold in Quebec.

Last checked October 19, 2026